Broward County Medicare Part D Plans 2025: Fort Lauderdale Prescription Drug Coverage
Broward County: 280,000+ Part D Enrollees, 620+ Pharmacy Locations
Serving Broward County from Fort Lauderdale to Pompano Beach with comprehensive Medicare Part D prescription drug coverage. Access 620+ pharmacies including CVS, Walgreens, Publix, and local independent pharmacies with plans averaging $44/month. Use our formulary lookup tool to check drug coverage and compare plans with local specialists who understand South Florida's healthcare needs.
🏪 Broward County Medicare Part D Pharmacy Network
Major Pharmacy Chains (600+ Locations)
- 🏪CVS Pharmacy: 180+ locations countywide, 24-hour stores, drive-thru service
- 🏪Walgreens: 150+ locations, convenient hours, prescription delivery
- 🏪Publix Pharmacy: 140+ supermarket pharmacies, free antibiotics program
- 🏪Winn-Dixie Pharmacy: 35+ locations, competitive pricing
- 🏪Walmart Pharmacy: 25+ locations, $4 generic program
- 🏪Costco Pharmacy: 4 locations (Pembroke Pines, Pompano, Davie, Sunrise)
Pharmacy Network Benefits
- ✓Preferred Pharmacies: Lower copays at network pharmacies
- ✓Mail Order: 90-day supply delivery, often lower cost
- ✓24/7 Access: Multiple 24-hour pharmacy locations
- ✓Auto-Refill Programs: Never miss a prescription
- ✓Bilingual Services: Spanish-speaking pharmacists available
- ✓Home Delivery: Available for mobility-limited seniors
💡 Pharmacy Network Tips for Broward Residents
Broward County's extensive pharmacy network provides convenient access across all major cities. Most Medicare Part D plans include CVS, Walgreens, and Publix as preferred pharmacies with lower copays. Independent pharmacies may also participate—check your plan's formulary. Consider mail-order for maintenance medications to save money. If you also need Medigap coverage, Part D pairs perfectly with Medicare Supplement plans.
Compare Part D Coverage Across Florida:
🏙️ Broward County Part D Coverage by City
Fort Lauderdale
Pembroke Pines
Hollywood
Coral Springs
Pompano Beach
Plantation & Sunrise
💊 Understanding Medicare Part D Coverage Tiers in Broward County
How Part D Formulary Tiers Work
Medicare Part D plans organize medications into tiers, with lower tiers having lower copays. Understanding your tier structure helps you save money on prescriptions. Use our formulary lookup tool to check which tier your medications fall into.
Lowest cost drugs, typically generic medications. Examples: metformin, lisinopril, atorvastatin
Other generic drugs not in Tier 1. Still affordable, moderate copays
Preferred brand-name drugs. Higher copay but often better than Tier 4
Non-preferred brand drugs and higher-cost generics. Higher out-of-pocket costs
High-cost specialty medications (biologics, cancer drugs). Coinsurance typically 25-33% of drug cost
💡 Cost-Saving Tip: Ask your doctor if a lower-tier alternative exists for your medications. Generic equivalents can save hundreds per month.
🔄 Part D Coverage Gap: What Broward Residents Need to Know
2025 Part D Coverage Stages
Stage 1: Deductible ($545)
Pay full cost until you meet the deductible (if applicable)
Stage 2: Initial Coverage
Pay copay/coinsurance until total drug costs reach $5,030
Stage 3: Coverage Gap (Donut Hole)
Pay 25% for brand and generic drugs until out-of-pocket hits $8,000
Stage 4: Catastrophic Coverage
Pay $0 or minimal copay (greater of $4.50 generic/$11.20 brand or 5%)
Closing the Gap Strategies
- 💡Generic Substitution: Switch to generics to reduce costs in the gap
- 💡Manufacturer Discounts: 70% discount on brand drugs in the gap
- 💡Extra Help Program: Low-income subsidy eliminates coverage gap
- 💡Mail Order: 90-day supply can reduce total costs
- 💡Patient Assistance: Pharmaceutical company programs available
58,000+ Broward seniors qualify for Extra Help but haven't enrolled. Check your eligibility at Medicare Extra Help.
💊 Common Medications & Part D Coverage in Broward County
❤️ Cardiovascular
- Atorvastatin (Lipitor)Tier 1
- LisinoprilTier 1
- MetoprololTier 1
- AmlodipineTier 1
- Eliquis (brand)Tier 3-4
🩺 Diabetes
- MetforminTier 1
- GlipizideTier 1
- Insulin (generic)Tier 2-3
- Lantus (brand)Tier 3
- Ozempic (brand)Tier 3-4
🫁 Respiratory
- Albuterol inhalerTier 1-2
- MontelukastTier 1
- FluticasoneTier 2
- Advair (brand)Tier 3
- Spiriva (brand)Tier 3-4
🔍 Check Your Medications
Every Part D plan has a unique formulary. Use our formulary lookup tool to check if your specific medications are covered and which tier they're in. Don't assume—verify before enrolling!
💰 Medicare Extra Help (LIS) for Broward County Residents
What is Extra Help?
Extra Help (also called Low-Income Subsidy or LIS) is a federal program that helps pay Medicare Part D costs for people with limited income and resources. 58,000+ Broward County seniors qualify but haven't enrolled, missing out on significant savings.
2025 Income Limits (Broward County)
- Individual:$23,0
- Married (living together):$31,000
- Resource limit (individual):$17,220
- Resource limit (married):$34,360
Extra Help Benefits
- ✓ $0 monthly premium (most plans)
- ✓ $0 deductible
- ✓ Low copays: $0-$4.50 generic, $0-$11.20 brand
- ✓ No coverage gap (donut hole eliminated)
- ✓ Automatic enrollment in low-cost plans
- ✓ Special Enrollment Period year-round
Apply for Extra Help: Contact Social Security at 1-800-772-1213 or apply online. Our local specialists can help with the application process. Learn more at Medicare Extra Help or the Low-Income Subsidy program. With 58,000 eligible Broward residents, this program provides significant prescription savings.
📅 Broward County Medicare Part D Enrollment Periods
When You Can Enroll
Initial Enrollment Period (IEP)
- • 3 months before turning 65
- • Your birth month
- • 3 months after turning 65
- • 7-month window total
Annual Enrollment Period (AEP)
- • October 15 - December 7 every year
- • Switch plans or join Part D
- • Coverage starts January 1
- • Most popular enrollment window
Special Enrollment Period (SEP)
- • Move to new service area
- • Lose employer coverage
- • Qualify for Extra Help
- • Plan leaves your area
Late Enrollment Penalty
How the Penalty Works:
- • 1% of national base premium per month
- • Multiply by months without coverage
- • Added to premium for life
- • 2025 base premium: $34.70
- • Example: 12 months late = $4.16/month penalty forever
Avoiding the Penalty:
- ✓ Enroll during Initial Enrollment Period
- ✓ Maintain creditable drug coverage (employer, VA, TRICARE)
- ✓ Keep proof of creditable coverage
- ✓ Enroll within 63 days of losing coverage
⚠️ Important: Even if you don't take medications now, enroll in Part D to avoid the penalty. Plans start at $0-$10/month with Extra Help.
⏰ Enrollment Deadlines for Broward Residents
The Annual Enrollment Period (October 15 - December 7) is the best time to compare Part D plans. Pharmacy networks, formularies, and costs change every year. Review your current plan annually to ensure it still covers your medications at the best price. Our Broward specialists offer free plan comparisons during AEP. Learn more about Medicare enrollment periods.
💊 Get Expert Medicare Part D Guidance in Broward County
Compare Medicare Part D prescription drug plans for Fort Lauderdale, Pembroke Pines, Hollywood, and all Broward cities. Check formulary coverage, find preferred pharmacies, and maximize your prescription savings with local specialists.
📚 Broward County Medicare Part D Resources
Part D Plan Resources
Compare Part D Coverage Across South Florida
Florida Part D Coverage:
- • Florida Part D Overview
- • Miami-Dade Part D
- • Broward County Part D
- • Palm Beach Part D (Coming Soon)